u/wander_soul_xx

I saw Giftcards.com 5% cash back offer on both Chase Freedom Unlimited and Chase Sapphire Reserve (maximum $50 cash back) and right now there is also elevated bonus through online shopping portals (check image):

- Chase Shop & Earn: UR Freedom (Freedom Unlimited + Freedom OG + Freedom Flex) = 3x + 1.5x base on CFU = 4.5x UR or UR Sapphire (CSP + CSR) = 2x + 1x base = 3x.

- Rakuten = 3.5x Amex MR or Bilt points

Lots of options: Amtrak, Target, Starbucks, etc. Also a bunch of brands doing 10% off that can stack on top too. Extra useful for those still working to hit spending requirement on the 100k/125k/175k CSP/CSR SUB.

Real example: Charged $200 Amtrak on CFU through Rakuten (have too much UR, want more Bilt point) with Chase offer on CFU activated = 300 UR + 700 Amex/Bilt point + $10 cash back from Chase offer.

I booked a BOS - LGA award flight through Delta for 6.6k Skymiles (Delta Amex credit card holder = 15% discount on award ticket) + $5.6 (tax + fees) and charged the $5.6 to my Chase Sapphire Reserve card. Ground stop in LGA/JFK because of rainy weather so my 9 p.m. flight was cancelled and rebooked to a 9 a.m. flight the next day. Booked a room at Courtyard Marriott Logan Airport + got 4x UR for direct hotel booking + 15x Marriott points (platinum elite).

I submitted claim for Trip Delay Reimbursement (up to $500 per covered passenger) for overnight hotel + taxi to/from hotel-airport + meal with all the documents requested on the chasecardbenefits.com last Tuesday and within a week everything is approved and Chase sent it to my bank account. Very smooth, no back and forth asking for more documentation.

Super cool to see that only a $5.6 charge for taxes and fees on award flight activates the Trip Delay Reimbursement + Trip Cancellation & Interruption insurrance (didn't file for this because I live in New York so no hotel in the final destination wasted but Chase rep confirms that it's covered too if needed) protection through Chase. From now on, I'll charge all the taxes + fees on award flight to my CSR lol. Tbh CSR is such a keeper, got the card in May for 150k sub after years with CSP and have gotten at least $4000 of benefits out of it.

I was looking at the lists of restaurants participating in NYC Restaurant Weeks (July 20-August 16) and found that quite a few of them are also part of the Chase Sapphire Reserve Exclusive Tables.

For the NYC Restaurant week, lunch and dinner pre-fixe menus are $30, $45 or $60 per person. For example, dinner for 2 with $60 menus would come out to $150-160 with tip + taxes, an effective use of the $150 dining credit for this quarter. Happy dining!

Here is the list of Reserve Exclusive Tables that participate in NYC restaurant weeks:

• Manhatta — Financial District
• Union Square Cafe — Union Square
• The Dining Room at Gramercy Tavern — Gramercy Park
• Ci Siamo — Manhattan West
• Momofuku Noodle Bar - East Village
• Hawksmoor NYC — Gramercy Park
• Restaurant Le B — West Village
• The Bar Room at The Modern — Midtown East (2 Michelin star ⭐️⭐️)

NYC restaurant week link: https://www.nyctourism.com/eat-and-drink/

Reminder to use the Away credit on Chase offers before May 20. Activate the offer on the Chase app before making the purchase.

Chase Sapphire Reserve® cardmembers can earn $200 cash back on orders of $500+. Chase Sapphire Preferred® cardmembers can earn $100 cash back on orders of $400+. 

If you’re about to buy new luggage/travel amenities for the summer, here is how to stack the Chase Sapphire offer:

Download the “Shop” app on your phone, look for Away on the Shop app, and it will say $70 off for purchase above $150. Go to reddit and look for an Away referral code (i’m not allowed to post mine here due to the rule, DM open), get the code for $40 off. Make sure that after the stacked offer of $110 off = 70 + 40, your final purchases with taxes is above $500 for CSR and $400 for CSP.

Away recently changed their lifetime coverage, it only comes with 5 year basic plan now. But the LifetimeCare Pro for total 10 years coverage is $35. After purchase, I registered my suitcase using my order number. It will pop up if u want to pay for the LifetimeCare pro, add another $40 referral code before check out, wipe out $35 + taxes to $0. That’s another $40 saved.

My total saving: $200 CSR + $70 Shop app offer + $40 referral code + $40 LifetimeCare Pro = $350. Out of pocket $313 for $663 worth of Away luggages.

Update: Purchased $513 May 12. SP Away Travel charge posted May 13. Statement credit -$200 confirmed May 15.

I got approved last Friday and called them to place a rush/expedited shipment notice on the card since i’m traveling this week. The mail arrived today and I got two CSR with the same card details (number, CVV). I don’t know what happened but when i called yesterday for a shipment tracking number they said they couldn’t find it and voila :) Gonna try to spend 6k on each card to get 300,000 UR 👉👈

As title suggested, I randomly found this hack by chance and wanted to share with everyone. I have an ITIN (no SSN) so there is no way to check my FICO credit score with Equifax and Experian. Only myFICO gives FICO score with Equifax, other than that all the other free online tool only give Vantage 3.0 score (Sofi, CreditKarma) which no bank cares about when it comes to reviewing your application. So the key here is checking pre-approval offer with Bilt and Capital One, because these are soft pulls, they don't affect your credit score.

- Equifax FICO score: https://www.capitalone.com/apply/credit-cards/preapprove/venture-x
I wanted to get a Venture X card after checking their pre-approval link and even I get denied immediately: "we can not pre-approve you at the moment". They sent the Adverse Action Letter via email. When you scroll to the end of the email it says: your credit score = 718 (even though my myFICO app says it's 723).
- Experian FICO score: https://www.bilt.com/card
Same thing when i wanted to get Bilt Palladium card, because all the bilt cards (Blue, Obsidian, Palladium) are pre-approval, no hard pulls. I get rejected again but they also sent me an Adverse Action Letter via email. However caveat, if you actually want the Bilt card, doing this might lock you out from applying again for the next 45 days. However I found it quite inconsitent, 1) the first time I did this the Experian score on the Bilt email say: 718 (even though my myFICO app says it's 723). 2) the second time I did this the Experian score on the Bilt email say: 714 (even though my real Experian score is 746, because I requested via mail).

Hope this helps!